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Roberta Hammel is a seasoned veteran in the Mortgage industry with a 19 year career helping thousands of clients with purchases, refinances and construction loans. Roberta finds a special sense of satisfaction helping first time homebuyers realize their dreams of homeownership. Having experience with Conventional, FHA, VA, VHDA, USDA and Construction lending she applies her knowledge to structure financing based on each personal scenario. Roberta is a 3 time


Responded quickly and fully to our questions.

- Carrie L.

Very professional and courteous. Made the loan process easy and stress free. Thanks for everything!!

- David A.

Roberta was absolutely wonderful throughout the whole process of my loan approval. At times I was frustrated and felt the paperwork would never end, but Roberta stayed calm and assured me everything would be fine in the end. She has encouraged me and did not give up. She is both friendly and extremely professional and definitely knows what she is doing. Excellent service!

- Emel E.

Working with Roberta was great! She helped me understand exactly what I had to do. Whenever I had questions, she would make herself available to call me back to answer them. I am sincerely grateful to her and her staff members. They are awesome!

- Easha J.

The information and guidance we received was helpful, direct and clear. The differences in mortgage rules and procedures specific to Virginia were explained whenever necessary. The process was made as smooth and efficient as possible. It was a very positive experience!

- Gary R.

What made this experience great is that Roberta kept us in the loop of everything that was going on whether it was good or bad news. I feel like communicating with a client is of great importance and Roberta did that. We felt like family. Thanks again Roberta for helping with making our dreams come true.

- Dianne T.

Roberta will go the extra mile to explain and inform you of your situation. Kindness and great personality to seal the deal is a wining combination for success. Thank you for being the best at your job.

- John F.

Super responsive and flexible with my complicated situation!

- Thomas N.

Roberta was extremely helpful throughout the entire process. We could not be more pleased with her level of communication and knowledge. We really felt that she was looking out for our best interest from beginning to end! We would highly recommend Roberta and the Town Mortgage team for your mortgage experience!

- Brandon L.

She never hesitated once to answer any questions or talk out things I was thinking!

- Ariel Q.
Roberta Hammel

Roberta Hammel

Mortgage Loan Officer
NMLS ID #: 525023

Direct: 804-586-2425

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